退休金危机(3/3)-英语听力mp3下载无损flac下载
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[00:00.96]There's a saying, I don't know who by, that you should "invest in land, because they don't make it any more."
有一种说法，我不知道是谁说的，你应该“投资土地，因为他们不再生产土地了。” [00:08.93]I think that's good advice. Around 2004 there started to be a lot of stories in the media about company pensions
我认为这是个好建议。2004年左右，媒体开始大量报道公司养老金 [00:17.06]and private pensions not delivering the benefits they had promised, mainly because they were linked to stock market investments.
私人养老金没有兑现承诺，主要是因为它们与股市投资挂钩。 [00:24.65]At that point I decided to withdraw my money from my own private pension and put it into property.
那时，我决定从我的私人养老金中取出钱，投资于房地产。 [00:31.38]I figured that if I bought a small office building, then by the time I reached retirement age,
我想，如果我买了一栋小办公楼，那么当我到了退休年龄时， [00:37.10]I would have paid off the mortgage and could live off the rent, so that's what I did.
我就能还清抵押贷款，靠房租生活，所以我就这么做了。 [00:42.96]I realised quite early on that my state pension wasn't going to be sufficient, so I took out a private one when I was about 30.
我很早就意识到我的国家养老金不够用，所以我在30岁左右的时候申请了私人养老金。 [00:51.39]It works like a managed investment fund, a mixture of blue-chip stocks,
它就像一个管理投资基金，由蓝筹股组成， [00:57.19]so I don't really have much say in how the money is invested.
所以我对如何投资没有太多的发言权。 [01:01.10]Unfortunately, like a lot of private pension schemes, it hasn't really performed as predicted.
不幸的是，像许多私人养老金计划一样，它的表现并没有像预期的那样。 [01:08.25]I think the projected growth rate was between 8 and 12% and it's grown at about 4.5%, which isn't much above inflation.
我认为预计的增长率在8%到12%之间，目前的增长率约为4.5%，比通货膨胀率高不了多少。 [01:18.36]There are signs that the stock markets are doing a little better now,
有迹象表明股票市场现在有所好转， [01:22.96]so I'm hopeful that in the long run I will have reasonable funds for my retirement.
所以我希望从长远来看我会有合理的退休基金。 [01:28.54]Would I advise anyone to do the same, with hindsight, probably not .
事后看来，我可能不会建议任何人这么做。
有一种说法，我不知道是谁说的，你应该“投资土地，因为他们不再生产土地了。” [00:08.93]I think that's good advice. Around 2004 there started to be a lot of stories in the media about company pensions
我认为这是个好建议。2004年左右，媒体开始大量报道公司养老金 [00:17.06]and private pensions not delivering the benefits they had promised, mainly because they were linked to stock market investments.
私人养老金没有兑现承诺，主要是因为它们与股市投资挂钩。 [00:24.65]At that point I decided to withdraw my money from my own private pension and put it into property.
那时，我决定从我的私人养老金中取出钱，投资于房地产。 [00:31.38]I figured that if I bought a small office building, then by the time I reached retirement age,
我想，如果我买了一栋小办公楼，那么当我到了退休年龄时， [00:37.10]I would have paid off the mortgage and could live off the rent, so that's what I did.
我就能还清抵押贷款，靠房租生活，所以我就这么做了。 [00:42.96]I realised quite early on that my state pension wasn't going to be sufficient, so I took out a private one when I was about 30.
我很早就意识到我的国家养老金不够用，所以我在30岁左右的时候申请了私人养老金。 [00:51.39]It works like a managed investment fund, a mixture of blue-chip stocks,
它就像一个管理投资基金，由蓝筹股组成， [00:57.19]so I don't really have much say in how the money is invested.
所以我对如何投资没有太多的发言权。 [01:01.10]Unfortunately, like a lot of private pension schemes, it hasn't really performed as predicted.
不幸的是，像许多私人养老金计划一样，它的表现并没有像预期的那样。 [01:08.25]I think the projected growth rate was between 8 and 12% and it's grown at about 4.5%, which isn't much above inflation.
我认为预计的增长率在8%到12%之间，目前的增长率约为4.5%，比通货膨胀率高不了多少。 [01:18.36]There are signs that the stock markets are doing a little better now,
有迹象表明股票市场现在有所好转， [01:22.96]so I'm hopeful that in the long run I will have reasonable funds for my retirement.
所以我希望从长远来看我会有合理的退休基金。 [01:28.54]Would I advise anyone to do the same, with hindsight, probably not .
事后看来，我可能不会建议任何人这么做。
